State RegulationsMI specificDifficulty 1/5
A claim is pending under a Michigan accident and health policy, and the insurer wants the insured physically examined. Under Michigan law, who bears the cost of the physical examination?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
M.C.L. 500.3420 gives the insurer the right to require physical examinations of the insured as often as reasonably necessary while a claim is pending — at the insurer's own expense. The examination right is the insurer's tool for verifying the loss, so the insurer pays for it.
Why the other options are wrong
- A: The examination cost is never deducted from the insured's policy benefit.
- B: The insured does not pay even conditionally; the expense belongs to the insurer regardless of the claim outcome.
- C: The selling producer has no obligation to bear the insurer's examination costs.
Memory hook
Insurer asks, insurer pays.